This document is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AXA AFFIN General Insurance Berhad (23820-W).

This insurance product is obligation only of the insurance company. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries.

You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.

This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries for application of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.

This document also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.

This insurance plan is underwritten by AXA AFFIN General Insurance Berhad (23820-W).